3. My plan is to pay off all of my credit card debt and outstanding collection accounts this year. I've been blessed with several promotions and a better salary than what I've been accustomed to. There's no excuse anymore for continuing on with bad credit and outstanding debts...Besides, it's embarrassing.

My 2012 goals:

1. Your FICO score goal for 2012: 700 on all three

2. Your current FICO score(s): EQ 648 TU 637 (Walmart Score)

3. Possibly a new mortgage

4. The steps you plan to take to achieve your goal: on-time payments, utilization below 10%

I can truly say that I went above and beyond my goals for 2011. I took control and stopped making late payments, I've set realistic goals for myself, and have really begun to take my credit seriously. I am extactic about the progress that I've made, and now that I've set myself on the right path toward greater things, I can finally start to think about things like a home purchase in the very near future. When I got started, it seemed like it would never be a possibilty because my credit was horrible.

Re: Take the FICO Fitness Challenge for 2012!

I am ready for the challenge! I have been making payments on time, and have a plan to get my revolving lines below 20% availible in the next month. I've been using Citi IdentityMonitor to check my report and scores.

Re: Take the FICO Fitness Challenge for 2012!

I am ready for the challenge! I have been making payments on time, and have a plan to get my revolving lines below 20% availible in the next month. I've been using Citi IdentityMonitor to check my report and scores.

Right now I am:

Equifax 560

Experian: 599

Transunion: 613

I want all scores over 700 by December 31, 2012

Welcome, and good luck! Getting your utilization down will help your scores.

Be aware, however, that the credit scores that you get from Citi IdentityMonitor are not FICO scores. Your actual FICO scores may be quite different from that which you get from Citi.

Re: Take the FICO Fitness Challenge for 2012!

Ok, I'm ready to do this. We've made some mistake and had some issues the past few years, but we've been on a good track since about October. We've paid off nearly all of our credit cards ($7K) and we're sticking to a reasonable budget.

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